bny mellon. at od, whatever business you're in, that's the business we're in with premium service like one of the best on-time delivery records and a low claims ratio, we do whatever it takes to make your business our business. od. helping the world keep promises. gerri: welcome back to our special user guide to obamacare, you still have time to send in your question, 1-877-249-9626. back again with me to answer your tax related questions. rich, thank you for coming back after dinner. i appreciate that. we have a caller here wayne in north carolina. what is your question? >> two questions, when there is a discussion about total income for individuals, as far as getting offset from government, is this ajumped gross income -- adjusted gross, my wife's premium is $ 304 for standard insurance policy, she 62, that amount next year is 778. we have income combined over for gross income for year 2013 over $100 thousand. most of which is associated with my retirement pension and consulting, my wife has a